The Harley-Davidson Street Glide was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the FCA investigation period from 6 April 2007 to 1 November 2024. This motorcycle, known for its distinctive style and powerful performance, was often financed through various lenders offering a range of terms and conditions that may have been subject to mis-selling practices.
How the Harley-Davidson Street Glide Was Typically Financed
The Harley-Davidson Street Glide was typically financed through PCP or HP agreements with finance amounts ranging from £5,000 to £15,000. Common lenders for this model include Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn. These agreements often included balloon payments at the end of the term, which could be a significant amount depending on the chosen finance plan.
The FCA Motor Finance Investigation
During the FCA investigation into motor finance mis-selling practices, it was discovered that many lenders had been operating under discretionary commission arrangements that led to inflated costs for consumers. These practices affected an estimated 12.1 million eligible agreements (FCA, March 2026) across the UK, with a total amount of £7.5 billion (FCA, March 2026). The average consumer incurred additional costs of approximately £829 (FCA estimate) due to these mis-selling practices.
The investigation uncovered that many lenders were using complex financial arrangements that could lead to consumers paying more than they should for their Harley-Davidson Street Glide, including inflated interest rates and hidden fees. This led the FCA to investigate how these discretionary commissions affected the cost of motor finance agreements during the specified period.
How to Check Your Agreement Look for any mention of "Discretionary Commission Arrangements" or simply "DCA". The relevant dates to consider are from 6 April 2007 to 1 November 2024.
If your agreement includes DCA and falls within this timeframe, you may have grounds to complain about potential mis-selling practices. It is important to gather all documentation related to the finance agreement, including any letters or emails from your lender, as these will be crucial in making a complaint.
If you suspect that your Harley-Davidson Street Glide finance agreement was affected by mis-selling practices during the FCA investigation period, it is important to complain directly to your lender. Common lenders such as Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn have procedures in place to handle complaints about motor finance agreements.
You do not need a claims management company to file a complaint; you can contact the lender’s customer service department or use their online complaint forms to initiate the process. Provide all relevant documentation and clearly outline your concerns regarding any inflated costs or hidden fees associated with your finance agreement.
Complaining directly to your lender is free, and they are required by law to respond promptly and fairly to your concerns. If you receive an unsatisfactory response from your lender, you can escalate the issue to the Financial Ombudsman Service (FOS) for further review.
Sources and References
- FCA estimate on affected agreements: 12.1 million eligible agreements (FCA, March 2026)
- Total amount affected by mis-selling practices: £7.5 billion (FCA, March 2026)
- Average additional cost incurred per consumer: £829 (FCA estimate)
These figures are based on the findings of the Financial Conduct Authority’s investigation into motor finance mis-selling practices in the UK from 6 April 2007 to 1 November 2024.